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Components of Tow Truck Insurance

Tow truck insurance typically includes several components:

  • Liability Insurance: Covers damages and injuries to others if your tow truck is at fault in an accident.
  • Physical Damage Coverage: Protects against damage to your tow trucks from collisions, vandalism, or natural disasters.
  • On-Hook Towing Insurance: Covers vehicles that are being towed by your truck.
  • Garagekeepers Insurance: Protects customer vehicles while they are in your care, custody, or control, especially if stored overnight.
  • Medical Payments Coverage: Covers medical expenses for you and your passengers in the event of an accident.
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